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1. An individual can administer his or her own solo 401k

Yes, it is possible to do so, if you have earned income from your own business. As the employee in 2015, you can defer up to $18k of your compensation. As the employer, your business can make a contribution of up to 25% of the profit. Combined, the total contribution is limited to $53k. Additionally, if you are 50 or older by the end of the year, you can make an additional catch-up contribution of $5k, which is not counted toward the $53k limit.

2. Can retirement pay be used to fund?

No. Only your compensation and the business profits can be used.

I'd like to shield the income from takes somewhat... Pretty sure I can't use my retirement check to fund and thst the IRS will need to see new income...sigh...

Yeah, only income that's reported can be used for contributions to a 401(k). <sarcasm>Given that it sounds like your career and your retirement both are funded from taxes, it seems to be a bit disingenuous to be asking about how to fund a 401(k) without declaring the income.</sarcasm>

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